First Time Buyer

With you every step of the journey

Buying a home can seem like a daunting process, especially when it's your first home. Why not contact Fenton Simpson to see how we can help you make that important first step onto the property ladder. Give us a call, we’re here to help.

With a track record of helping first time buyers, we have both the experience and expertise to get you through the mortgage process. Once you have made contact with Fenton Simpson, we will task one of our Mortgage Advisors in York with starting your mortgage journey.

What do you need to know about getting your first mortgage?

It may be easier than you think! There are many more lenders in the market than just those you see on the high street, and many of these have specialist mortgages available to first time buyers. Mortgages are arranged on an affordability basis, which is an assessment of your income in relation to your outgoings.

What are the costs of getting a mortgage?

Use our budget planner and cost calculator to find out how much the cost of buying your first home will be.

Why should you use a morgage broker?

You may be tempted to go to the bank that you have your savings with, the downside of doing so is that you will potentially need to wait many weeks for an appointment, only to find out that they can not obtain you a mortgage. If they can offer you a mortgage, they can only choose from their own range of products which may be much more expensive than other options on the market.

By using a mortgage broker, you can check the whole market and ensure that you are finding the best mortgage for you. Not only will you end up with the best mortgage for you, you can rest assured that your mortgage will also be managed moving forwards, meaning that you never end up paying more than you need to on your mortgage.

We are here for you and can answer any questions you have about the house buying process.

How can our advisers help you?

• Appointments to suit you, no waiting for an appointment with a bank

• Our Advisers can source exclusive broker deals not available on the open market

• We can source from a wide range of lenders, not just those on the high street, ensuring that we find the right mortgage product for you

• We ensure that nothing is overlooked, including your life insurance, instructing a solicitor and arranging your home insurance

• We are experts on the administration of mortgage applications, let us do the hard work so you don't have to

• We can liaise with your lender, Estate Agent and Solicitor to ensure that your mortgage goes through as smoothly as possible

To take your first step onto the property ladder, speak to one of our advisers who will be able to discuss with you exactly how we can help you obtain your first mortgage.